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Business Overview
STATEMENT OF DISCLOSURE
2
This presentation may contain “forward-looking statements” within the meaning of U.S. federal
securities laws. Forward-looking statements are not historical facts, and are based upon management’s
current expectations, beliefs and projections, many of which, by their nature, are inherently uncertain.
Such expectations, beliefs and projections are expressed in good faith. However, there can be no
assurance that management’s expectations, beliefs and projections will be achieved and actual results
may differ materially from what is expressed in or indicated by the forward-looking statements.
Forward-looking statements are subject to risks and uncertainties that could cause actual performance
or results to differ materially from those expressed in the forward-looking statements, including risks
detailed in the J. G. Wentworth Company’s (the “Company”) SEC filings.
Forward-looking statements speak only as of the date the statements are made. The Company assumes
no obligation to update forward-looking statements to reflect actual results, subsequent events or
circumstances, changes in assumptions or changes in other factors affecting forward-looking
information except to the extent required by applicable securities laws. If the Company does update one
or more forward-looking statements, no inference should be drawn that the Company will make
additional updates with respect thereto or with respect to other forward-looking statements.
TABLE OF CONTENTS
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Company Overview
Marketing & Branding
Structured Settlements & Annuities
Growth Initiatives
Financing Platform and Results
SECTION 1: COMPANY OVERVIEW
COMPANY OVERVIEW
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The J. G. Wentworth Company (“JGW”) is comprised of the J.G. Wentworth and the
Peachtree Financial Solutions family of companies. Both brands are innovators, market
leaders and established players
In November 2013, The J.G. Wentworth Company went public on the NYSE (Ticker
“JGW”) and became the managing member of J.G. Wentworth Holdings, LLC
JGW is the nation’s leading purchaser and servicer of Structured Settlement and Annuity
payment streams
Employs approximately 400 people with operations in Radnor, Pennsylvania
Purchased over 75,000 receivables since 2002 with aggregate payment streams of
over $7.3 billion
First to securitize Structured Settlement Transactions and has completed 40
securitizations
JGW’s Leading Position
COMPANY OVERVIEW
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Structured
Settlements Annuities Lotteries
Pre-Settlement
Funding
Ultimate Payor /
Counterparty
Insurance company Insurance company State lottery funds /
Insurance company
Insurance company /
self-insured corporate
defendant
Brands
Years of Experience 18+ 18+ 14+ 8+
% of Revenue
Structured
Settlements
94%
Annunities
2%
Lotteries
2% Pre-Settlement
Funding
2%
SECTION 2: MARKETING & BRANDING
MARKETING OVERVIEW
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JGW operates in the markets it serves with two distinct brands, J. G. Wentworth and Peachtree
Allows the company to target separate sub-segments of its addressable market simultaneously
Differentiated strategy results in minimal customer overlap
Over $690 million in spend on television, internet, direct mail and social media have developed iconic brands
BRAND POSITIONING PUBLIC FACE
Price leader with courteous, efficient service
Project image of being a reliable, secure and financially
strong institution that delivers good service and great value
Friendly, high-touch service
Develop strong personal bond between customer and
purchasing team
o Personal relationship is the cornerstone of the
experience
Over $690 million in marketing spend has created high brand recognition
SECTION 3: STRUCTURED SETTLEMENTS & ANNUITIES
STRUCTURED SETTLEMENTS OVERVIEW
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Initial Structured Settlement Creation Subsequent Sale by Structured Settlement Holder
A structured settlement is a contractual agreement to settle a tort claim
involving physical injury, illness through a series of payments over
time.
The defendant purchases a single premium annuity from a life
insurance company
All sales of structured settlement payment streams are need-based
Sales of structured settlement payments make economic sense for
many customers compared to alternatives without a repayment
obligation
Credit cards on average charged between 15%-25%, compared to
8%–14% discount rates for structured settlement payment purchasing
1) Source: Based on a random sample of 584 JG Wentworth transactions.
Out of court negotiation of amount and
terms of compensation for damages
1
Annuity
Provider
Claimant
Defendant’s
Insurance
Provider
2 3
Debt Repayment / Pay Bills 36%
Housing-Related 31%
Transportation 7%
Education 6%
Miscellaneous 6%
Health Care 5%
Major Purchase 4%
Child Care 3%
Business-Related 3%
ILLUSTRATIVE USE OF PROCEEDS 1
ILLUSTRATIVE TRANSACTION TIMELINE
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Direct-to- Consumer
– TV
– Internet
Generates
incoming calls to
product groups
Proprietary databases utilized to pursue leads
Ensure payments are unencumbered and available for purchase
Economic review
– Separate from purchasing team
Processing and
execution of
documentation
– Meet legal requirements as needed
Subject to
individual state
transfer statutes
Each transfer
approved by a
court and federal
overlays
Express court
finding that
transfer is in the
best interest of
customer and take
into account the
welfare and
support of
dependents
Service all portfolios (such as prior securitizations and other financings)
– Administer and collect payments
Draw from financing facilities to fund deals
Subsequently,
permanently finance
through
securitizations
approximately three
times per year
Opportunities to
finance through
private placements
and forward flow
arrangements
Initial screening of
opportunity
– Stringent screening guidelines
Relationship
management
– Complete paperwork
Become point of
contact
Marketing Under- writing
Court Approval
Portfolio Servicing
Funding Purchasing
DE
SC
RIP
TIO
N
Day 1 Day 10 Days 30 – 60
Highly efficient structured settlement payment stream purchasing process
SECTION 4: GROWTH INITIATIVES
1. Grow the core business
Increase lead generation
Increase transaction conversion
2. Become an information, data and analytics company
3. Offer diversified consumer financial services via:
Mergers & Acquisitions
Building Capabilities
Strategic Partnerships
J.G. WENTWORTH GROWTH STRATEGIES
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KEY INITIATIVES TO GROW THE CORE
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Process Efficiencies
Digital Roadmap Lead Generation
Pay for Performance
Customer Experience
Marketing Creative
BECOMING AN INFORMATION COMPANY
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J.G. Wentworth is enhancing the way it uses data and information to drive
business decisions. When successfully built, J.G. Wentworth will have
performance based interactive tools to increase efficiencies and to make more
informed decisions to improve the business. Information will facilitate J.G.
Wentworth becoming a direct-to-consumer power.
Our strong national brand(s), direct response capabilities, operational efficiencies and low cost of funds
position the company well for expansion into appropriate adjacencies.
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LEVERAGE KEY STRENGTHS TO EVOLVE
TO MULTI-LINE COMPANY
= Strength
= In Progress
= Opportunities
STRONG BRAND
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J.G. Wentworth is well positioned to be the
umbrella brand that carries all other products
72% national brand awareness
62% national advertising awareness
Perceived to offer an average of 2.4 financial
services:
45% purchaser of structured settlements
27% personal loans
19% mortgage
18% HELOC
17% reverse mortgage
14% money transfer
13% term life insurance
9% prepaid cards
Source: J.G. Wentworth Q4’14 Brand Health Tracker (conducted by Horizon Media with Toluna’s consumer panel)
Based upon aided awareness; margin of error + / - 4.4%
“A reliable and
trustworthy company”
“It's your money, use it
when you need it!”
“A respectable financial
company that has been
in business for a long
time.” “I think of financing
and lending money.”
“Money!”
First Thoughts of
J.G. Wentworth
DIRECT RESPONSE CAPABILITIES
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Not your average contact center...
100K average monthly inbound calls
200K average monthly outbound calls
196 total employees on the floor
90% of floor has college degree or higher
Average tenure of Senior Manager is 10 years
Handle complex transactions
Trading floor atmosphere
OPERATIONAL EFFICIENCIES
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PORTFOLIO
SERVICING File verification
Payment processing
Delinquency resolution
Annuity provider
liaison
UNDERWRITING Ensure payments
unencumbered and
available for purchase
Economic review
Processing/ execution
of documentation
LEGAL OVERVIEW Corporate counseling
Compliance oversight
Litigation management
Financing facility
creation and maintenance
Marketing review
90% of floor has college degree or higher
RESEARCH Competitive research
Customer information
FUNDING & SECURITIZATION PLATFORM
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WAREHOUSE
FACILITIES $750 Capacity
Five lenders
Fixed advance rate
No exposure to
margin calls
Term of at least 2 years
ALTERNATIVE
MONETIZATION
OPTIONS Numerous private
placements executed since
2009 in the asset class
Term facilities
SECURITIZATIONS 50 unique investors since 2010
35% - 45% pre-funding component
AAA rated with no wrap
ASSET CLASS
TRACK RECORD Flawless performance throughout
crisis with no missed payments
for any of the 39 completed
securitizations since 1997
Strengthened and diversified funding model
J.G. WENTWORTH AS UMBRELLA BRAND TO
DIVERSIFY THE COMPANY
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Our new corporate identity will leverage the full value of marketing dollars. J.G. Wentworth
will be the umbrella brand that carries all other products.
Corporate Entity
Divisional Entities
Future Examples
Example:
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PREPAID OPPORTUNITY
Similar customer base to JGW
Low cost of entry
Complementary product to start to build
relationship / loyalty
Leverage Brand Awareness
Leverage Knowledge and Relationships in
this space
Will test replacing checks
Customer Payments
Pre-settlements
Customer Incentives
Test at retail
Alternative distribution channels
CONSUMER LENDING OPPORTUNITY
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SS Secondary
Market
XXX-XXXM
Customers
Leverage:
Brand
Contact Center
Back Office
Capital Markets
Execution
Personal loans leads are a by-product of current marketing
Large market where we believe we can gain share
Manage financing and partnership alternatives to mitigate
balance sheet risk
Brand Research shows lending is a logical extension of J.G. Wentworth
MORTGAGE OPPORTUNITY
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SS Secondary
Market
XXX-XXXM
Customers
Leverage:
Brand
Contact Center
Back Office
Capital Markets
Execution
New customer base will expose us to more upscale customer
Realize synergies through operational leverage with our business
Large market where we believe we can gain share
Financing platform similar to our existing securitization model
NEXT STEPS
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SS Secondary
Market
XXX-XXXM
Customers
Execute on Key Initiatives to Grow the Core
Digital Roadmap
Process Efficiencies
Pay for Performance
Improved Customer Experience
Increased Lead Generation
Marketing Creative
Execute on next phases of becoming an Information Company
InfoScout
ProspectNow
Execute on Diversification
SECTION 5: FINANCING PLATFORMS AND RESULTS
FINANCING PLATFORM
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The JGW Companies’ diversified funding platform optimizes funding at every stage of
the business process
Alternative funding sources both in nature of financing and type of institution
Funding sources enable access to the private or 144A markets to achieve best execution
The company has established itself as a regular issuer of structured settlement, annuity
and lottery ABS and expects to continue to build its term issuance platform in the future
The JGW Companies look to securitization as a source of longer term financing and an
opportunity to diversify its sources of funding and investor base
Sources of financing include:
Internal funding
Bank warehouse facilities
Insurance company warehouse facilities
Financial institution term facilities/Private placements
Asset based loans from financial institutions
Since November 2009, JGW subsidiaries executed revolving and term facilities, securitizations, credit lines and
private placements with diverse counterparties including institutional investors, insurance companies, banks,
and investment banks
